Links below will help you find the branch of a participating lender closest to you.

Does your kitchen or bathroom need updating?Do you want to fix up your basement?
Would you like central air?Have you put off home improvement projects?

Find your answer with a . . .

If you own and occupy your home in the City of Philadelphia, a Philadelphia Home Improvement Loan (PHIL) is a great opportunity to make those needed repairs and improvements. With no equity or home-appraisal requirements, you can apply even if you recently bought your home.

With great low rates and expanded income guidelines, now is the perfect time to take advantage of this offer near me.

Call 3-1-1 for City information. Program information is available in other languages.
2016 Philadelphia Redevelopment Authority all rights reserved. This website is designed for information purposes only.
It is the policy of the City of Philadelphia to provide services without regard to race, color, religion, sex, sexual orientation, having AIDS or being perceived to have AIDS,
national origin, ancestry, physical handicap or age.

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*Annual Percentage Rates (APR) are based on household size and annual household income.
Annual Percentage Rates were calculated assuming the loan has a
disbursement date of the first of the month.

**As always, consult your tax advisor concerning tax deductibility.

Philadelphia Payday Loans PA - Cash Advance Online!

Benefits of payday loans without no credit check for bad credit borrowers

Feel depressed after getting refusal concerning getting credit in bank due to
your bad credit history? If so, then you will be happy to discover that it has
never been a problem with our payday loans with credit check. We approve our
customers with credit check at all. We provide our customers with many other
advantages which you will have an opportunity to get acquainted with here:

Why to choose us as your payday lender?

We offer our clients a great number of benefits listed here:

With credit check

No collateral

No paperwork

No long queues

No hidden fees

Moreover, our customers may enjoy 24\7 customer support and get answers to all
their questions concerning our payday loans online with credit check using live
chat or mail service. We provide our clients with confidentiality and safety of
personal information.

There is no need to waste your time on unnecessary papers as we offer you to
submit an application form online using any device you have which has internet
connection. The most important reasons to entrust us with your financial
problems is that we can provide you with immediate help without asking how you
are going to spend your money.

How payday lender and traditional bank differ?

There are still people who trust traditional banks and go there in case of
having problems with money in a hope to get a credit. However, there are certain
disadvantages using the services of such institutions as they have much more
requirements and the period of processing all documents that you need to provide
them with is much longer compared with our payday loans direct lender. We
process your application in no longer than 20 minutes as we offer payday loans
online with credit check instant approval. We appreciate time of our clients who
need to get a helping hand urgently. Moreover, it is almost impossible to get a
credit in a bank if you have bad credit history.

Payday loans without no credit check
from direct lender, on the contrary, provide advantageous terms for those who
have imperfect credit score. By the way, bad credit borrowers may improve their
score with the help of our payday loans bad credit by repaying them without
delays. If you apply for bad credit payday loans direct lenders only several
times and pay money back on the due date always, then you contribute to building
your good credit history which may be reported to the credit agency.

Which factors may influence a payday loan amount?

There are some factors that the loan amount depends on. They are the following:

State limits

Your income

It should be taken into account that some states have limitations of the amount
of payday loans due to the different regulations. In addition to this, the
amount of money that you may be approved for will depend on your monthly income.
New borrowers can’t apply for the maximum amount of loan as a rule compared to
those who have already used our lending services and repaid money on the date
which was agreed between two sides: the lender and the borrower. It is
recommended to follow news on our website as periodically we may have some
special offers for new comers and for our loyal customers as well.

What if your repayment term is close but you can’t repay the loan?

Unfortunately, life is unpredictable and even if you know that in two weeks it
will be your payday, you may face some problems requiring additional finance. In
this case you won’t be able to repay your loan on time. How to behave in such
situation not to get in trouble? First of all, it is better to inform your
direct lender about the reason which has prevented you from paying on the agreed
date.

Our representatives will always listen to you and provide with a
professional consultation offering all possible ways out. One of them is to use
an extension or roll-over service. But the problem is that some states forbid
using them. That’s why not all borrowers may have a chance to enjoy this kind of
the repayment postponement. If your state permits using any kind of this service,
then you should understand that though it is the only way out, you will repay
the amount which you have borrowed from us plus interest and some fee for the
service to postpone your repayment day. The longer you use roll-over or
extension, the more money you will pay.

All information about our interest rates
and annual percentage rate is available on our website. However, it is better to
consult our managers to get a clear picture of what sum of money you will need
to repay in your individual situation taking into account the period of time you
are going to use your payday loan. Remember that refusal from repaying payday
loan may have unpleasant consequences which will definitely influence your
credit history and in some cases will be considered in court if a borrower
doesn’t want to pay money back at all.

How to deal with the situation when you have decided not to use payday loan?
Sometimes people take decisions without thinking thoroughly beforehand. This
happens rarely concerning our online payday loans but if suddenly you change
your mind you have the right to cancel your application even after its
submission during the definite period of time which is within 72 hours.

In this case, you will be able to send money back without paying any additional fees. In
case of informing us about your decision later, there is no opportunity to
change anything. That’s why think twice before taking a decision to use payday
loans in order to be able to repay your loan on time, sure without taking into
account some unexpected emergency that may arise when you don’t expect it.

How to repay payday loan using our withdrawal system?

You will be glad to find out that not only getting payday advance is online but
repayment procedure also takes place without the necessity to go out anywhere.
We offer our customers very convenient system which works as follows: the
necessary amount of money is withdrawn by us automatically from your banking
account on the due date. You should check if you have enough money in order to
repay the borrowed loan plus interests on your payday.